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I'm not qualified to judge the merit of these ideas but it is an interesting read:

The Universal Hull by Warwick Collins « My Wooden Boat of the Week

I agree, if I were to build this I would like to be able to take an occasional passenger without loosing too much performance. Perhaps the Classic Moth rule doesn't make sense. Also, a standard...

What about the idea of conforming to the classic moth design rule? I don't know too much about it but your concept seems so close to the moth rule anyway, and the design might interest more people...